What I don't understand is how the government MANDATES this "service", but ignores others.

If you want a car with a leather interior, or heated seats, you pay extra. Want a fine restaurant? It's available IF you pay more. First class flight? Sure, just pay more.

Yet everyone, including the urban rats that we promote to breed are ALL supposed to get the same care in the event of a health problem. But of course thugs NEVER take a slug to the chest or fly through a windshield, or suffer due to a drug reaction that they took for recreation, or beat their women to a pulp.

I think the OP is right. Pay for what you get, and all the derelicts offered one band aid and an aspirin and directed back to the streets. Insurance rates would tumble when one were paying for their own care, not the horde of those with their paws out.